Guide Financial, the financial planning startup acquired by John Hancock in June 2015, told its users via email this week that the company plans to discontinue operations on October 11.

Intuit Aggregation Wake

Guide Financial is the first financial adviser technology provider that I know of that has decided to close its operations in the wake of Intuit’s announcement that it is discontinuing its Financial Data APIs for account aggregation. Those APIs will be maintained only for current production developers until November 15, 2016, Intuit said in an email to developers.

In a phone call with Guide Financial, I learned that the company first attempted to contact as many advisers as possible by phone to communicate the news, and those who were not able to be reached received an email with the details of the shutdown on Thursday.

In the email, the company noted that Intuit had recently announced the discontinuation of the account aggregation services that powered the Guide Financial Service. But in my post from March 2015, How Intuit’s account aggregation shutdown may impact the fintech solutions you use, Intuit told developers that Finicity would be providing façade APIs to facilitate the transition from Intuit to Finicity for aggregation services. Guide Financial did not comment on the option to transition to aggregation provided by Finicity.

No Data Exports

In the weeks prior to the shutdown, Guide Financial users will not have the ability to request an export of their data contained in the system. Generally, data on clients is limited to basic demographic information and is likely to be found in other systems used by advisers, such as CRM and portfolio management software, so an export of that data would not be useful in most circumstances. Guide Financial said that transaction data aggregated from financial institutions will not be made available.

Guide Financial has offered a brief FAQ on its website regarding the transition, and additional questions can be directed to support@guidefinancial.com

Alternatives

For alternatives to Guide Financial, I can think of a few financial planning and financial dashboard solutions that perform account aggregation to update financial plans. The list of the solutions are below:

eMoney Advisor, $1,944 to $3,888/year depending on features, including aggregation and an online client dashboard

MoneyGuidePro, $1,295/year (I think aggregation is an additional $365/year, but I’m not 100% sure, and clients do not see an online dashboard for their outside accounts)

Note: I originally listed Balance Financial in the list of alternatives above, but I have not been able to connect with them for any updates. Also, their website’s terms and conditions have not been updated for two-and-a-half years (last updated January 28, 2014). Until I connect with someone at Balance, I’ll keep them listed in this note and not as a viable alternative to Guide Financial.

There are other solutions that perform aggregation (ByAllAccounts, Aqumulate, Quovo, Blueleaf, Wealth Access, etc.), but they generally don’t also have financial planning capabilities built directly in to the program.

If you can think of other solutions that should be on this list, contact me (or tweet me @billwinterberg) and I will update this list.

Intuit identified Finicity as a solution that will provide a “façade” API interface that translates Intuit-structured API calls into Finicity-structured API calls.

Financial Data API Backstory

The Financial Data APIs from Intuit allow developers to link to end-users’ banking accounts from within their application.

In September of 2012, Intuit announced that it was opening up the technology that powered Intuit products like Mint.com, Quicken, and QuickBooks to the developer community via a library of APIs that it called Customer Account Data (CAD).

Customer Account Data, which was rebranded Financial Data APIs, is composed of two separate products: the Transactions API and the Identification API Beta.

The Transactions API offered connections to roughly 20,000 US and Canadian financial institutions, enabling third-party developers to quickly and cost-effectively deploy aggregation functionality to a wide array of financial sources.

The Identification API Beta facilitated customer’s identity and banking account verification using banking credentials. Developers were able to configure ACH connections via the API instead of relying on microdeposits (a series of deposits under $1 that the customer verifies) and a process called “fatfingering.”

FinTech Floodgates

The general availability of the Intuit Financial Data APIs opened the floodgates of all sorts of new B2C fintech startups that featured the aggregation of users’ financial accounts. These startups included popular names such as LearnVest, SaveUp, Hello Digit, BillGuard, and more.

A similar increase has taken place among B2B account aggregation providers, with companies like Blueleaf, Wealth Access, Quovo, Plaid, and Right Capital all appearing with some type of advisor aggregation fintech solution over the last four years.

Prior to the new wave of account aggregation providers, advisor solutions were dominated by four key players:

Betterment (retail and Institutional, based on their use of both Plaid and Quovo)

Note: Prior to August 30, 2016, I had Right Capital in the list above. After connecting the Right Capital co-founder Shuang Chen, I learned the company had considered Intuit’s API for aggregation at one time, but ultimately decided to engage Yodlee for account aggregation. Therefore, Right Capital will not be affected by the Intuit API shutdown.

In its press release, Intuit identified Finicity as an alternate provider of aggregation services.

We have identified a new aggregation partner, Finicity, for whom this service is a core part of their business. Finicity can offer long-term benefits and service for our aggregation customers. To minimize developers’ engineering work to switch APIs, Finicity will provide a façade API interface that translates Intuit-structured API calls into Finicity-structured API calls.

The “façade API interface” means that developers with existing code that calls on Intuit APIs will not need to change their codebase. Instead, Finicity will publish an API interface that is 100% compatible with existing calls to the legacy Intuit APIs and return data to the developer’s application as if Intuit’s APIs never went away.

Who is Finicity?

For me, Finicity is a newer name in aggregation that came to my attention last year while monitoring Quora for details on Yodlee despite founding the business in September 2000.

While the Finicity compatibility endorsed by Intuit sounds good for existing developers, there are certainly other issues to consider before building a business on top of Finicity services, and that absolutely should factor into the due diligence process of advisors.

2015 has been a good year for Finicity. We’ve signed hundreds of Fintech and Financial Institutions to build their solutions on our API, have quietly launched over a dozen partners, and are launching dozens more in 2016. Our partners tell us that our broad native data source coverage and our fanatical agg support teams are the primary reasons why they love us.

-Nicholas Thomas

So with relatively little marketing (e.g. as I published this, their most recent tweet was on October 27, 2015), Finicity managed to sign up “hundreds” of customers, launched “over a dozen” partners, with more on tap in 2016.

Is account aggregation Finicity’s only play in the industry? No.

To see what other lines of business Finicity offers in addition to their aggregation services, their website lists two other divisions: Mvelopes and Money 4 Life Coaching

Mvelopes from Finicity

Mvelopes is a software application for personal budgeting and has extremely high ratings for its apps in the app stores. Surprisingly high, actually (more on this later).

Mvelopes allows users to create virtual envelopes for different spending categories and allocate money to them accordingly. The idea is that throughout the month, users refer to the amount of money left over in each envelope after paying bills in order to preventing overspending. Transactions are aggregated from connected accounts, and transactions are automatically deducted from applicable virtual envelopes of available cash.

The service is free to use with a limit of four aggregated cash flow and credit accounts (here’s the Finicity aggregation connection). To access unlimited accounts, users subscribe to the Mvelopes Premier plan for $95/year.

Money 4 Life™ Coaching

Where things get more controversial for me is Finicity’s division called Money 4 Life™ Coaching. The Mvelopes pricing page makes the first mention of coaching services and describes how customers can benefit from one-on-one coaching customized for individual needs.

So I looked into this coaching services with a quick Google search and came across quite a few consumer complaints (36 to be exact) about the services on the Better Business Bureau website.

Most of the complaints seem to be centered around the Money4Life coaching including allegations of no contact by coaches for months at a time and allegations of cancellation difficulties.

Most complaints listed on the BBB site appear to reach a satisfactory conclusion once customers initiate the dispute process (which results in an overall BBB rating for Finicity of A+) , but it is surprising that many customers feel that they need to involve BBB in the first place in order to reach a resolution.

Also, the Mvelopes mobile app ratings are overwhelmingly positive, but many of the five-star reviews have no details in the description or come from users with no other app reviews other than Mvelopes. It’s eyebrow raising.

Critical Mvelopes app reviews such as the one below from iTunes are enlightening:

I contacted Finicity for comments and have not yet heard back from the company, so I will update this post accordingly.

What’s Next?

So what’s next? Given Finicity’s connection to awkward customer experiences under the Money4Life coaching program, how likely are the younger aggregation providers to migrate their API calls to the Finicity API? Or will there be a trend to simply abandon the aggregation of financial institutions currently covered by Intuit?

No matter what, as the aggregation vendors make their decisions behind the scenes, advisors’ clients will need to reauthenticate their usernames and passwords once a migration to a new aggregation service is implemented.

For some firms that have a handful of aggregation accounts, this may be a non event, but for larger firms with thousands of aggregated accounts, the issue could take weeks or months to resolve as all clients work through their accounts to reauthenticate their login credentials.

Several integrated solution providers in the Veo® Village share the technology themes that emerged during their conversations with advisors at the 2016 TD Ameritrade Institutional National LINC Conference.

Our coverage from TD Ameritrade Institutional National LINC is brought to you by Wealthbox CRM. Sign up for a free trial today at wealthbox.com

[Financial Engines, a leading independent investment advisor, today announced that it has signed a definitive agreement to acquire The Mutual Fund Store, LLC, a prominent nationally-branded independent Registered Investment Adviser, from Warburg Pincus and management for total consideration of approximately $560 million, including cash and stock.

First up this week is late-breaking news that Financial Engines, one of the original automated asset allocation tools for 401(k) accounts, announced it acquired the Mutual Fund Store, a $9.8 billion dollar RIA based in Kansas City.

Financial Engines is paying roughly $560 million in cash and stock, and will gain 345 employees spread across 125 retail locations that advise over 39,000 households. This deal adds a salvo of human advisers to Financial Engines’ online tools which, for now, are centered around retirement assets.

So, if you don’t have the technology that supports your own digital advice delivery to clients, you are falling behind. However, you are in a position to add value because you advise your clients on their total financial picture, not just their retirement accounts, so use this as your advantage while it lasts.] Financial Engines, a leading independent investment advisor, today announced that it has signed a definitive agreement to acquire The Mutual Fund Store, LLC, a prominent nationally-branded independent Registered Investment Adviser, from Warburg Pincus and management for total consideration of approximately $560 million, including cash and stock.

[Now I want to transition to a quick recap of the T3 Enterprise conference held in Weston Florida earlier this week, where fintech veteran Joel Bruckenstein assembled 45 of the industry’s top technology providers to demonstrate their solutions for the broker-dealer and enterprise RIA marketplace.

Some of the significant news includes Riskalyze CEO Aaron Klein, who introduced the Real-Time Wealth Management Enterprise™ ecosystem, which combines Riskalyze, Autopilot Enterprise, and Compliance Cloud all into one solution and updates from eMoney’s Drew DiMarino who confirmed the company will be unbundling the eMoney dashboard and financial planning components.] MoneyGuidePro’s Bob Curtis flipped the bird at potential VC cash-bearers as Fidelity-owned eMoney vowed it was still a scrapper

[Next up is news from ShareFile, as the online collaboration provider announced an integration with Smarsh, widely known for their email and social media archiving platform. Under the new integration, Smarsh can now automatically archive documents exchanged via ShareFile without any manual intervention or paying for a separate solution that handles those online documents.

So, why is this important? Because when you send a document to clients, regulators want to make sure you have an archive of that document that you can’t modify after the fact, something ShareFile calls “immutable retention.”

If you don’t somehow archive documents you send to clients, you could be getting into some pretty hot water if you changed, say, a fee schedule document, after delivering a prior version to your client. That’s why the immutable retention is so important.] Need a more robust and complete way to archive? ShareFile has a new integration with The Archiving Platform™ from Smarsh, the popular comprehensive archive platform, to create the only solution that meets the regulatory requirements for both online file sync and share and immutable retention.

[And finally, wrapping up this week is news from Quovo, as the account aggregation provider, strike that, data science company announced it has partnered with Blueleaf, a financial relationship management platform.

This news comes on the heels of a partnership with Jefferson National announced a few weeks ago, allowing Quovo to obtain direct data feeds of variable annuity sub account information which, based on what I hear from you, has traditionally required manual data gathering because aggregation couldn’t handle similar sub account names that had different prices based on the annuity wrapper.] Blueleaf, a financial relationship management platform for advisors and their clients, today announced its partnership with Quovo, the leading financial data science company that addresses the needs of the wealth management industry. Blueleaf has selected Quovo as their data partner for the smarter aggregation of their clients’ held-away accounts.

[And speaking of account aggregation, let me finish by pointing out a Wall St. Journal column on account aggregation issues affecting Chase and Wells Fargo customers. Sites like Mint.com couldn’t aggregate those accounts for over a week, and I’m afraid that if these institutions don’t like the idea of third-party aggregators accessing their customer data, then high quality aggregation might get harder to come by, become more expensive, or both, so I’m going to keep an eye on this developing story and let you know what else you need to know as this story develops.] J.P. Morgan Chase & Co. and Wells Fargo & Co. are snarling the flow of data to popular websites that help consumers manage their finances, according to people familiar with the matter.

On today’s broadcast, the rumors are true: eMoney gets acquired by Fidelity Investments, Advent Software gets acquired by SS&C Technologies, and the SEC reveals troubling cybersecurity issues after its first round of broker-dealer and adviser examinations.

Today’s episode is brought to you by Wealthbox CRM. Version 1.7 just released with delectable features like two-way Google Calendar synchronization, support for popular email newsletter services, an integrated Facebook feed, and more!

[This week’s top story that EVERYONE is talking about is eMoney’s acquisition by Fidelity Investments. Sources close to the deal cited a purchase price “north of $250 million” with a valuation around four times eMoney’s revenue. This deal marks the first time I can recall an institutional custodian taking ownership of a financial planning software provider. Nearly a dozen others that I listed on FPPad are all privately held with no custodial affiliation.

So the burning question is: What’s the future of eMoney? Executives from eMoney and Fidelity reaffirmed that the company will continue to operate independently, but have the financial backing of Fidelity to accelerate product development and growth. Now for me, eMoney seemed to be doing just fine on its own, always having a top spot in advisor technology surveys and having just released a big emX update two months ago, so did they really need to make a deal?

But on the other hand, if you read Michael Kitces’ take on Nerd’s Eye View, he believes Fidelity purchased eMoney primarily for its client-facing personal financial management tool, or PFM, that works a lot like Mint.com, and just happened to get eMoney’s financial planning software along with the deal. Robo-investment allocators are raising the stakes on client-facing dashboards, but buying eMoney for its PFM solution just doesn’t add up to me.

There are many other PFM options and client-facing dashboards out there like Aqumulate, Blueleaf, MoneyDesktop (MX), and even Personal Capital, who built their own, probably for a lot less than $250 million. So really, nobody knows what the future holds now that eMoney is under Fidelity’s ownership, and you can add me to the list of speculators that can only guess how this deal will influence your decision on what financial planning software you choose to use.] Fidelity Investments® announced today that it has agreed to acquire eMoney Advisor, a leading wealth planning software company, as part of Fidelity’s commitment to deliver an industry leading suite of innovative and meaningful tools and technology to its customers.

[Next up is news of another deal, as Advent Software is going to be acquired by SS&C Technologies for $2.7 billion. SS and who? I had never heard of them either until this week, because SS&C is primarily focused on institutions and enterprises, not independent RIAs.

So on the institutional side, the deal makes sense because SS&C is already the largest user of Advent’s Geneva solution, with around 2,400 internal users. But what about the Axys and Black Diamond solutions used by you, the independent adviser?

Bill Stone, SS&C’s chairman and CEO, said in a conference call that the company “did not see anything in Advent’s portfolio that we’d want to rationalise” and “killing a product is the last thing you want to do.”

Cough, TechFi.

So, Advent users, you’re in a little bit of limbo, too until we see this deal pan out, but I suspect not a whole lot will change in the near term. These are well-established companies with mature products that collectively have very high user retention.] The acquisitive US-based firm, SS&C, has expanded its presence in the wealth management software market with the all-cash acquisition of rival Advent Software.

[And finally, the SEC released its first Cybersecurity Examination Sweep Summary this week, outlining key findings from over a hundred broker-dealer and RIA examinations. Here are my most important takeaways:

3 out of 4 advisers have been the target of cyber attacks, only 1 out of 5 advisers actually have cybersecurity insurance, and very few advisers know where to identify best practices on cybersecurity. Here’s a hint: THIS SHOW is one of them!

Clearly I should dedicate a show in the future exclusively to cybersecurity, but in the meantime, download my free guide on security at fppad.com/security and connect a vendor that specializes in RIA best practices like Itegria, Envision RIA, External IT, True North Networks, Right Size Solutions, and others.] OCIE’s National Examination Program staff, recently examined 57 registered broker-dealers and 49 registered investment advisers to better understand how broker-dealers and advisers address the legal, regulatory, and compliance issues associated with cybersecurity.

Advizr, a next generation financial planning software, today announced a strategic partnership with Blueleaf, a leading client engagement, data automation and reporting platform for advisors and clients.

“Business As Usual”

In an email to ByAllAccounts subscribers, James Carney, President and CEO of ByAllAccounts wrote, “For now, it’s business as usual. Going forward, we will be evaluating opportunities for closer collaboration with Morningstar in ways that benefit our customers.”

ByAllAccounts has a near monopoly, in my words, in the reconciliation-ready account aggregation marketplace. The company has over 2,100 clients, connections to over 4,300 custodians, and 40 platform and service providers as of the March 2014 acquisition.

ByAllAccounts Alternatives

The other reconciliation-ready provider is Aqumulate, formerly Advisor Exchange, which can be viewed as a value-added reseller (my words again) of the CashEdge aggregation service offered by Fiserv.

So Aqumulate partners with Fiserv to access their network of over 14,000 financial services companies (more than three times ByAllAccounts’ connections), and then cleans up the raw CashEdge data so it can be easily ingested by advisers’ portfolio management software.

Why Reconciliation-Ready Data?

So ByAllAccounts and Aqumulate are the only two practical solutions for advisers who require reconciliation-ready account data for imports to portfolio management software.

But I see a trend among progressive RIAs who are dropping performance and rate of return calculations for client investment reports, especially among shops who embrace passive strategies of DFA and Vanguard funds.

Why continue to emphasize performance, performance, performance quarter after quarter when it’s a minority piece of the total wealth management framework?

Look at reports from Blueleaf (important distinction: they’re NOT statements) as an example of this trend. And they even use ByAllAccounts for some held away account aggregation!

And then look at the reports offered by the online advice providers with aggregation capabilities: Personal Capital and Learnvest exclusively highlight net worth, cash flow, and asset allocation, all powered by Yodlee aggregation.

But will users find actual statements on total investment portfolio performance?

No.

eMoney operates the same way. Over 90% of its custodial data connections are proprietary, with the remaining connections rounded out by CashEdge and ByAllAccounts, and you won’t find portfolio performance statements anywhere in the program.

Is individual stock and fund performance listed in these programs? In most cases, yes, because those stats come from Xignite and others and are not subject to knowledge of a client’s actual time-weighted rate of return for portfolio performance.

The Household Balance Report Standard

So household balance reporting, and not performance reporting, is gaining momentum, and that segment is being supported by lower-cost providers like Yodlee and Intuit in addition to ByAllAccounts and Aqumulate.

So why should advisers pay thousands to ByAllAccounts when you can get client balance and holding information from Yodlee and Intuit for far less?

Once again, only those who need reconciliation-ready data for performance calculations were cornered into paying a premium to ByAllAccounts or investigating Aqumulate, and I think that population is slowly shrinking.

Did that influence ByAllAccounts’ decision to seek a buyer at the potential top?

On this week’s broadcast, learn the hits and misses from the year’s most anticipated advisor technology survey, the pending termination of several financial planning software products catches advisors off guard, how the leading independent custodians are stepping up their technology, and more.

This week’s episode is brought to you by Angie Herbers Incorporated, a consulting and research company to financial advisory firms, who just released a new white paper called Take Two: The New Direction of Succession that addresses the key elements to create a successful transition to your junior advisors.

Download the Take Two white paper for free, along with other practice management resources, by visiting fppad.com/ahi

[Leading off as the top story is one of the most anticipated technology articles that comes out every year. The first of December marks the release of the annual Financial Planning Magazine Technology Survey, where Joel Bruckenstein digests over 1,100 responses about the various software programs and practice management tools used by financial advisors today.

So who are the winners and losers from this year’s survey?

Redtail Technology, Salesforce, and Tamarac Advisor CRM are the winners among CRM software, as advisors continue to embrace cloud-based technology, with slippage coming from Junxure, ProTracker, ACT, and Goldmine.

In financial planning software, this year’s results are essentially a carbon copy of last year’s survey, with MoneyGuidePro, eMoney, and MoneyTree claiming the top three spots.

And the same is true with portfolio management software, as the top 6 vendors are also a total repeat of last year’s results.

So who missed out on opportunities this year? The survey randomly selected new products from Blueleaf, inStream, and Market76, but found that few advisors had even heard of these relatively new players, which tells me that financial advisors, well, those who don’t watch Bits and Bytes, continue to be a challenging market for new providers to gain exposure.] The move to the cloud is finally taking place. In category after category of this year’s Financial Planning Tech Survey, we found software providers making the shift, and advisors responding.

[The next story features news from Advicent Solutions, the company formerly known as Zywave, who provides a suite of financial planning software to advisors under the NaviPro brand.

In an unexpected announcement to some users, the company announced it will sunset six of its NaviPlan products on March 31, 2014, citing an “ever-changing marketplace.”

Going away will be all of the NaviPlan Extended and NaviPlan Standard desktop-based variants, making the cloud-based NaviPlan Premium and NaviPlan Profiles the sole applications that will receive ongoing support and enhancements in 2014 and beyond.

This news reinforces the trend of advisors adopting cloud-based solutions as seen in the Financial Planning Software Survey, so don’t be surprised when other providers announce the discontinuation of their own desktop-based software in favor of cloud-based alternatives.] NaviPlan financial planning products for desktop computers will be discontinued as the owner develops its NaviPro products for online use.

[Software providers aren’t the only ones making big changes in advisor technology, as four of the major custodians are also investing heavily in advisor-facing technology in a very competitive arms race. Once again, Joel Bruckenstein interviewed executives from Fidelity, Pershing, Schwab Advisor Services, and TD Ameritrade Institutional to reveal their strategies to help make advisors more efficient and more profitable through enhanced technology.

There’s a ton of great information in this article, so be sure to read it to see what your custodian is doing to help you grow your business.] Over the last several years, custodians have been investing in advisor-facing technology like never before.

[And finally, one company benefiting from custodian technology enhancements is Envestnet|Tamarac. This week, the company announced that its Advisor Xi suite will soon integrate directly with Pershing’s NetX360 custodial platform, giving advisors straight-through processing capabilities for trades in accounts held at Pershing, as well as access to real-time custodial account data.

Tamarac anticipates that the new integrations will roll out to its 660 firms during the first quarter of 2014.] Envestnet | Tamarac, a division of Envestnet, Inc., a leading provider of integrated, web-based portfolio and client management software for independent advisors and wealth managers, announced today that it has formally begun the integration of its Advisor Xi(R) platform into Pershing’s NetX360(R) custodial channel for investment professionals and Registered Investment Advisors (RIAs). Advisors will have access to this integration in the first half of 2014.

Before I kick off this week’s top stories, here’s a quick and easy resource to use to see how strong your password is against a brute-force attack. Click the image to visit http://howsecureismypassword.net/

Note: You should probably avoid typing your real password into this program. Instead, use a close approximation!

[In this seven-minute podcast, RegEd’s Blane Warrene addresses issues with LinkedIn Recommendations and Endorsements. It’s a good overview for those dipping a toe in LinkedIn and a good refresher for social media pros.] A rapidly trending topic continues to be LinkedIn Skills Endorsements. They are a much more gray area than Recommendations as it pertains to being classified as testimonials under SEC guidelines for the financial services industry.

[Why am I such a skeptic when it comes to Microsoft products these days? Who knows more about meeting the specific needs and demands of today’s financial planning and wealth management client? You, or Redmond’s Mister Softee? However, I’m more optimistic of a partnership like the ones identified with Envestnet|Tamarac, because they do know a thing or two about what advisers need.] Thomas E. Feher, the financial services industry director for Microsoft’s U.S. Dynamics Industry Team, said Microsoft has already partnered with several “industry partners,” including Envestnet|Tamarac and Salientia to provide CRM solutions to advisors through the Windows 8 platform. But, he said, the next step is a preloaded package of tools and services specifically tailored for each advisor on the Windows 8 platform.

[Advisor Websites contacted me a few weeks ago to capture some of my best technology ideas for new gadgets, video content, and software integration.] Recently we were lucky enough to sit down with Bill Winterberg and pick his brain about the changing industry and what he expects will be key, vital factors when it comes to technology for financial professionals in 2013.

In today’s video spotlight, John Prendergast, co-founder and CEO of Blueleaf, discusses a variety of topics relevant to advisers as the advice delivery model continues to evolve. Learn what Blueleaf does for both advisers and consumers and how the company challenges assumptions and learns new insight by testing and experimentation.

Yesterday I posted two YouTube videos from the session from T3 2012 titled Competing Against Robo Advisors. I know that many of you prefer to download content like this to your media player of choice (i.e. iPhone) and listen to it on your jog or your commute home.

Using the audio from the Robo Advisor session, I created my first podcast. I’m currently going through the approval process with iTunes, but in the meantime you can listen and download the podcast directly from FPPad.